Conditions & Refunds

Credit Card Security

We realize that customers are concerned about credit card security. Therefore, we use Paypal, one of the world’s largest & securest fund transfer agencies. A PayPal account is not required for payment. You may use your credit card or an e-check if you prefer. Your personal credit card information is not given to us.

© Copyright

All documents have Copyright Protection and all rights are reserved. Purchasers may copy the material solely for use within their own agency or agencies, if they have expanded. Otherwise, no part of these documents may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording or any other information storage and retrieval system, without the written permission of P. Brian Pavich.

Money Back Guarantee

All our documents come with a 30 day money back guarantee. If you are not satisfied with their content or if the documents do not meet your satisfaction in any way, you may request a refund.

If you have any concerns whatsoever, please contact us BEFORE approaching Paypal in order that we can quickly resolve any issues.


To request a refund:

Contact Brian Pavich via email at mail to: or

Provide the following information:
– Customer’s name
– Transaction ID
– Nature of the problem



When refunds are issued, you must delete the files/document(s) from your computer and destroy all electronic, digital and paper copies. You will no longer have authorization to use any or the material, either in part or in whole.


This website, the information contained in it and the contents of the products are for general information and guidance purposes only. Because legislative requirements for home care standards, employment law and business operations vary, the information presented should not be interpreted as being universally applicable. Our manuals are sold with the understanding that they do not constitute legal, medical, accounting or other professional advice. Legal advice & other professional assistance should be sought prior to commencing your home care business in order to determine the impact of federal, state, provincial & local laws, licenses, etc. upon the operation of your business.

No responsibility is assumed by us for the information contained in this website or in the products or for any loss which may arise as a result of relying on such information and all liability is disclaimed in respect of such information to the fullest extent allowed by law. We have taken all necessary steps to ensure that our electronic products (downloads) and CD copies are virus free and will not accept liability for losses or damages as a result of viruses, worms etc., which may be transmitted through downloading, copying and/or other means.